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Do you guys think that attaching the credit card to the checking or saving account? I'm planning to get a credit card from the bank I have my checking account with but not sure if I should authorise them to withdraw from my account whenever the payment is due. They are saying that this arrangement would free me from the hassle of paying bills everytime. Has anyone used this service before? Can they debit my account for wrong reasons too?

Currently I'm sharing a room with a roommate but I am looking into buying a house of my own. The recent slump in the housing market has further encouraged me in considering buying. However, here is my issue. I'm presently earning around $76000 a year Paying rent for $1500 a month Gas and food $750 Total monthly payments on credit cards $875 Credit score is around 635 My question is, can I afford a house with this income? Would I qualify for a mortgage?

I have defaulted on my student loan earlier last year. It has taken a severe toll on my credit score. My score is now at the lower 500 range. What can I do to improve it? I'm considering going back to school and for that I???d need another student loan. Can I qualify for another loan when I've defaulted on the existing one? Hope you can direct me in the right direction. Thanks in advance.

The winner of QOM for the month of December is debdecelie Congratulations.. As the winner, debdecelie wins $50 [FONT="][SIZE=4]Please check your mail. Jason [/SIZE][/FONT]

I just found this site last night. Thanks for all the insight. My husband & I just signed up with a Debt Settlement Co. My husband was injured, had surgery, has been out of work for 6 months. I took a pay decrease (government mandated) & health insurance premiums went up. Drained savings & paying minimum on credit cards for some time now including my husband's 2 business cc. The business is closed, has a no money. We can't do it anymore...cc raised apr's. Drowning. Tried DMP but can't afford the monthly amount. DS seems to be our only way to survive. BUT, the fees are outrageous.

Do I stop paying all at once or stager over a few months? I lost income and after all is paid I am either evan or short each month ! Below is my list how should I start, BOA $30k $530 a month Boa 5k $100 Discover 5k $115 Capital One 6k $125 Household 4k $95

Bank closed account due to overdraft but covered expenses can you go to jail?

I am currently two months past due on a CashCall loan due to my being unemployed. I may have some money coming later in Jan. Should I wait for a settlement offer or should I pay this off when the money comes in?

I am preparing to take RJM to small claims court for reporting a debt that they failed to validate. I recently noticed that the "factoring company" classification entry in the listing. Can someone tell me if this is correct? RJM claims that I had a Wachovia account that was overdrawn and this is the debt that they are trying to collect.

Does anyone know of a good, honest company that can help us keep our home? I just don't want to be ripped off! Thank you so much!!